Add a Children's Term Rider to your life insurance policy
A Children's Term Insurance Rider pays a life insurance benefit if any of your children pass away. This includes your biological children, stepchildren and legally adopted children who are at least 15 days old and are named in the application. Children adopted or born after the policy is issued are also covered.
Your children are covered until they reach the age of 22 or until they are married, whichever comes first.